New Brunswick Take-Home Pay Calculator 2025: Federal + NB Provincial + CPP/EI

New Brunswick provincial brackets

The 2025 New Brunswick provincial income tax brackets:

• 9.4 percent on the first $51,306
• 14 percent on $51,307 to $102,614
• 16 percent on $102,615 to $190,060
• 19.5 percent on income above $190,060

New Brunswick has fewer brackets than most provinces (4 instead of 5-7) but a relatively wide first-bracket (covers income up to $51,306). The 14 percent middle bracket covers most professional incomes. New Brunswick does not have a surtax.

The New Brunswick Basic Personal Amount of $13,396 (2025) is in the middle of the provincial range, providing moderate tax relief at low incomes.

New Brunswick metros: Moncton, Saint John, Fredericton

The three principal New Brunswick metros each have distinct economic profiles:

• Moncton (Greater Moncton ~155,000): Transportation and logistics hub (CN Rail intermodal, Air Canada regional operations), call center / business process outsourcing, retail trade, healthcare. Has been the fastest-growing NB metro since 2020.
• Saint John (~70,000): Industrial center with Irving Oil refinery (Canada's largest), Irving Pulp & Paper, shipbuilding (J.D. Irving), seaport. Historically dependent on a few large employers.
• Fredericton (~60,000): Provincial capital with substantial provincial government employment, UNB and St. Thomas University, growing tech sector (Bulletproof Solutions, Smart Skin Technologies, Eigen).

For a $80,000 Moncton professional, New Brunswick take-home is roughly $56,800 after federal tax, NB provincial tax, CPP, CPP2, and EI. Moncton's median home price around CAD $280,000 (vs Toronto/Vancouver $1.2M+) means strong disposable income post-housing despite higher provincial tax rates.

Bilingual context: Acadian Canada

New Brunswick is officially bilingual (the only province with this status). About 32 percent of the population speaks French as a first language, concentrated in the north (Bathurst, Edmundston, Caraquet) and east (Shediac, Bouctouche). For French-speaking professionals from Quebec considering inter-provincial migration, New Brunswick offers French-language services in healthcare, government, and education in many regions.

New Brunswick property tax and HST

New Brunswick Harmonized Sales Tax (HST) is 15 percent total, of which 10 percent is the provincial portion and 5 percent is the federal GST. HST applies to most goods and services. For typical consumer spending, HST adds roughly $4,500 of annual sales tax for a $30,000 spend, comparable to Nova Scotia and PEI.

Property tax in New Brunswick is administered at the provincial level (one of the few provinces with provincial-level property tax). Rates depend on whether the property is owner-occupied (the principal residence) or non-resident or vacant. Typical effective rates range from 1.1 percent for owner-occupied homes to 2.2 percent or higher for non-resident and vacant property. For a $300,000 home, owner-occupied property tax is roughly $3,300/year.

NB inter-provincial migration since 2020

New Brunswick has experienced significant population growth since 2020, driven by inter-provincial migration from Ontario and Quebec. The population grew approximately 7 percent between 2020 and 2024, the fastest provincial growth in the Atlantic region. Moncton, Fredericton, and Saint John have all seen substantial housing price increases (40 to 80 percent depending on neighborhood), narrowing the affordability advantage versus central Canada but maintaining substantial differential.

What this calculator does not include

New Brunswick Low-Income Tax Reduction. New Brunswick Seniors Home Renovation Tax Credit. New Brunswick HST (15 percent total, of which 10 percent is provincial portion). Property tax in New Brunswick municipalities. For precise NB returns, use the T1 General with New Brunswick Schedule NB428. The Canada Revenue Agency administers both federal and New Brunswick provincial tax collection through unified processing of the T1 return for all NB residents.